buy to let mortgages advice
Find a mortgage for your buy to let
Ready to become a landlord? We can guide you through the process and help you choose the right mortgage for your buy-to-let investment.
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YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. MOST BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY
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Why choose us
Focus on the excitement of investing in property and let us handle the buy to let mortgage search, application, and everything in between.
Save Time
Don’t waste your valuable time researching mortgage rates and completing lengthy application forms. We’ll take care of it for you.
Save Money
Save money on your mortgage with better rates and lower application fees, it could mean big savings on your monthly payments.
Get Exclusive Rates
Your mortgage adviser has access to 1000’s of mortgage rates and exclusive offers that that may not be available to you directly.
buy to let mortgages
Investing in a buy to let?
Whatever your situation, our mortgage advisers can help you find the right buy to let mortgage, whether it's your first Buy to Let property or you're adding to your portfolio.
Mortgage interest payments: These are the regular payments you make to the lender.
Landlord insurance: Covers property damage, loss of rent, and legal liabilities.
Property management fees: If you hire a property manager, you’ll incur these costs.
Maintenance and repairs: Unexpected costs for repairs and maintenance.
Ground rent and service charges: If the property is part of a development.
Stamp duty: A tax payable on the purchase of property.
Fixed-rate mortgages
When you get a fixed-rate mortgage, your monthly payments will remain the same no matter what happens with interest rates. There are various fixed-rate periods, including 2, 3, and 5 years.
Tracker mortgages
As the Bank of England’s Base Rate rises or falls, tracker mortgages follow it. An agreed margin is added to the Bank of England’s Base Rate to calculate the interest rate. A ‘lifetime’ tracker is for the life of the mortgage, and a ‘term’ tracker is for a period of two or three years.
Standard variable rate mortgages
A SVR is the rate of interest charged once a fixed rate or term tracker period ends. Instead of switching to a SVR, you can usually move to another fixed or tracker product..
A buy to let mortgage commonly comes with two payment options, capital repayment and interest-only. It is imperative to carefully consider these options.
What is a capital repayment mortgage?
A capital repayment mortgage includes both capital repayments and interest payments each month. If you use this repayment method, your mortgage will be fully repaid at the end of the term.
What is an interest-only mortgage?
When you have an interest-only mortgage, your monthly payment covers only the interest on your loan, so your capital debt doesn’t decrease over time. Lenders will want to see evidence that you will be able to repay the debt in the future. Buying to let is often done with an interest-only mortgage.
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Book a no obligation chat today if you need further assistance to find a mortgage or need to know how to get a mortgage.
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Can I get a mortgage
Our experienced buy to let mortgage advisers help landlords navigate the home-buying process. We'll:
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Find the right mortgage Discover exclusive mortgage rates and personalized advice tailored to your unique financial situation.
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Simplify the process Let us handle the paperwork and negotiations, so you can focus on the excitement of a new home.
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Ensure mortgage affordability: We'll make sure you qualify for a mortgage you can comfortably afford, giving you peace of mind.
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Advice whenever you need it
Get expert mortgage advice, from 8am - 8pm Monday to Friday & 9am - 6:30pm on Saturday & Sunday.
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Your mortgage questions
A buy to let mortgage is a type of loan used to purchase a property with the intention of renting it out for income. It's a common investment strategy for those looking to build wealth through property ownership.
Typically, you need to be a homeowner or have a good rental income history to qualify for a buy to let mortgage. Lenders may also consider your credit score and financial stability.
Mortgage interest payments: These are the regular payments you make to the lender.
Landlord insurance: Covers property damage, loss of rent, and legal liabilities.
Property management fees: If you hire a property manager, you'll incur these costs.
Maintenance and repairs: Unexpected costs for repairs and maintenance.
Ground rent and service charges: If the property is part of a development.
Stamp duty: A tax payable on the purchase of property.
Consider factors like location, property type, rental demand, and potential for capital appreciation. Ideally, the property would be inhabited most, if not all of the time for maximum rental income and profits.
This is a test conducted by mortgage lenders to assess your ability to handle a potential increase in interest rates on your mortgage.
Rental income: Generate income from tenants.
Capital appreciation: The property's value may increase over time.
Tax benefits: Potential tax relief on mortgage interest.
Diversification: Add property to your investment portfolio.